Bode Insurance Solutions Limited

What Bode Insurance Solutions Limited does

Bode Insurance Solutions Limited is an FCA-authorised (FRN 313541) specialist insurance broker focused exclusively on the UK private rental sector, distributing tenant and landlord insurance products underwritten by partner carriers Uinsure and Unisure. The company offers tenant contents and liability insurance, landlord buildings/contents/public liability/loss of rent/legal expenses cover, portfolio policies wrapping up to 15 properties under one contract, and niche products including expat landlord cover, leasehold flat landlord insurance, rent guarantee, pet damage, and Day One Uplift/Index Linking. It is a wholly-owned subsidiary of LRG (The Leaders Romans Group Limited), a diversified UK property services group founded in 1987 and one of the UK's largest property groups, which provides the primary distribution channel through its nationwide estate agency branches and existing landlord online accounts where pre-populated insurance quotes are made available.

Bode operates with 1-10 employees from its registered headquarters in Camberley and a regional office in Worthing. Its go-to-market is hybrid: a sales-led direct broker team reachable by phone (01903 890044) and email, a 24/7 online quote system, and a channel partner motion through LRG agencies. Pricing is quote-based and not publicly disclosed, with example landlord premiums ranging from approximately £360 to £486 per year for a £250,000 rebuild-value flat depending on excess level; tenant policies carry compulsory excesses of £100 (general contents) and £500 (malicious damage). Revenue is generated through recurring annual premiums (subscription_recurring model) on the policies it places.

The technology stack is described as a standard insurance platform with no proprietary features disclosed; integrations include HubSpot for email marketing, Goodlord for tenant onboarding, The Depository for end-of-tenancy management, Vaboo for Premier Service member discounts, and GreentheUK for optional tree-planting schemes. Bode has held a Defaqto 5-star rating on its underwritten cover since 2014, achieved carbon neutral certification in 2022, and holds no patents or trademarks. The company has no disclosed funding rounds, no M&A activity, and operates only in England and Wales within the United Kingdom.

Name

Bode Insurance Solutions Limited

Legal name

Bode Insurance Solutions Limited

Website

https://bodeinsurancesolutions.co.uk

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

Bode Insurance Solutions Limited is a UK FCA-authorised specialist insurance broker providing tenant and landlord insurance products underwritten by Uinsure and Unisure, distributed through its parent LRG's nationwide property agency network.

Ownership category

akta.pro rank

Product category

Specialist Rental Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Real Estate / Lessors Risk BOP (FSAJAFAI)

Keywords

• Landlord insurance
• Tenant contents insurance
• Portfolio insurance
• Buy-to-let insurance
• Rental property insurance

Headquarters

HQ city

Camberley

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Landlord Insurance Premiums: Recurring insurance premiums for landlord policies covering buildings, contents, liability, loss of rent, and legal expenses. Policies are sold annually with monthly or annual billing options.
2. Tenant Insurance Premiums: Contents insurance policies for tenants covering their personal belongings against damage and theft. Sold on subscription basis with annual renewals.
3. Portfolio Insurance: Multi-property insurance policies for landlords with portfolios of 2-20+ properties, wrapped under a single policy with multi-property discounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Bode Insurance Solutions Limited is a specialist UK insurance broker providing tenant and landlord insurance products for the private rental sector. Its core offerings include Tenant Contents Insurance, Landlord Insurance (buildings, contents, liability, loss of rent, legal expenses, and malicious damage), and Portfolio Insurance wrapping multiple properties under one policy. The products are delivered through online quote systems, a dedicated broker team, and the parent company LRG's nationwide property agency network.

Product overview

Bode Insurance Solutions Limited is a specialist insurance broker providing insurance products for tenants and landlords in the UK rental market. The company offers a portfolio of insurance products including Tenant Insurance (contents and liability coverage for renters), Landlord Insurance (buildings, contents, liability, and legal expenses coverage), and Portfolio Insurance (multi-property policies). The landlord insurance offering is provided in partnership with Uinsure/Unisure and includes various modules such as buildings insurance, contents insurance, public liability, loss of rent cover, legal expenses insurance, and expat landlord insurance. The company also offers add-on coverages including Day One Uplift/Index Linking for inflation protection, Rent Guarantee Insurance, and Pet Damage Insurance as part of their Premier Service offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Tenant Insurance Insurance coverage for tenants covering personal liability, contents protection, and belongings against damage or theft. Includes accidental damage and malicious damage coverage. Sold to UK private rental tenants.
• Landlord Insurance Specialist insurance for landlords covering buildings, contents, liability, malicious damage by tenants, loss of rent, and legal expenses. Includes accidental damage, property owner liability, and tenant non-disclosure contingency. Sold to UK buy-to-let landlords and property investors.
• Portfolio Insurance (Landlord Property Owners Insurance) Insurance policy for landlords with multiple properties, allowing all properties to be wrapped under one insurance policy with multi-property discounts. Accommodates up to 15 properties on a single policy. Sold to UK landlords with 2–20+ properties.
• Expat Landlord Insurance Specialist insurance for non-UK resident landlords who let property in the UK. Requires UK managing agent and written AST agreement. Sold to overseas-based landlords of UK rental property.
• Tenant Contents Insurance Contents insurance for tenants covering personal belongings, furnishings, and possessions against damage or theft. Includes £100 compulsory excess for general contents and £500 for malicious damage claims. Sold to UK tenants.

Quantifiable outcome

• 5-star defaqto-rated insurance cover since 2014
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• UinsurecoreTechnology or IntegrationUinsure has been around since 2007 and works with some of the UK's biggest insurers and letting specialist underwriters. Bode has teamed up with Uinsure to offer 5-star defaqto-rated landlord insurance cover. The partnership provides buildings and malicious damage cover for properties.
• UnisurecoreTechnology or IntegrationUnisure has been 5-star rated by defaqto since 2014 and has 4.6/5 stars on Trustpilot with service rated 'Excellent'. Bode's landlord insurance is offered in association with Unisure, providing comprehensive cover through specialist underwriters.
• LRG (Leaders Romans Group)flagshipStrategic or Co-development PartnerBode Insurance Solutions is part of LRG (formerly The LRG Limited/ Leaders Romans Group), one of the UK's largest property groups. LRG provides the distribution network through its nationwide agency branches and the online landlord account platform. Bode is the insurance arm of LRG, with other group companies operating as introducer appointed representatives.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• NFU Mutual: UK mutual insurer offering landlord insurance among its broader commercial and personal lines portfolio. Overlaps with Bode on landlord cover but serves a much wider customer base through a regional branch network.
• Direct Line for Business: Major UK insurer's commercial arm offering landlord insurance as part of a wider business-insurance portfolio. Competes with Bode on landlord cover but lacks the niche specialisation in tenant, expat, and leasehold landlord risks.
• Aviva UK: One of the UK's largest insurers offering landlord and home insurance products through direct and broker channels. Comparable to Bode on landlord insurance but operates as a broad-market incumbent rather than a specialist.
• Towergate Insurance: Large UK insurance broker placing landlord and commercial property cover across multiple insurers. Comparable to Bode as a broker model but with much broader product range and scale, not specialising exclusively in the rental sector.

Direct peers

• Hamilton Fraser: UK specialist provider of landlord insurance, tenant contents insurance and rent guarantee products, also offering deposit protection schemes. Competes head-to-head with Bode across the same landlord and tenant insurance categories.
• Rentguard: Specialist UK landlord insurance provider offering landlord buildings, contents, liability, loss-of-rent and legal-expenses cover targeted at buy-to-let landlords. Directly comparable to Bode on product focus, distribution model (online + broker), and customer segment.
• Simply Business: UK online insurance broker for small businesses and landlords, comparing multiple insurers to deliver landlord insurance quotes. Comparable to Bode as a digital-first insurance broker intermediating landlord cover rather than underwriting it.
• Cover4LetProperty: UK specialist landlord insurance broker offering landlord buildings, contents, liability, rent guarantee and portfolio cover. Closely aligned with Bode on specialist-only positioning within the buy-to-let insurance market.
• HomeLet: UK specialist tenant-referencing and landlord insurance provider with a very similar product set (tenant contents, landlord buildings/contents, rent guarantee, portfolio cover). HomeLet is the closest direct competitor to Bode in the specialist UK PRS insurance niche.

Regional players

• Alan Boswell Group: UK independent insurance broker offering specialist landlord insurance alongside broader commercial and personal lines. Comparable to Bode as a specialist landlord insurance broker with similar product structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bodeinsurancesolutions
• LinkedInlinkedin.com/company/bode-insurance-solutions-limited

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bode Insurance Solutions Limited